you say it's unlikely, but that could be the trigger to a second dip? >> if you get another dip, a renewed decline in prices, we're going to run into an acceleration of a number of homes that are mortgaged and under water. that is, that the value of that properties are less than the debt. if that happens, and clearly, looking at the structure where debt and values are, it would, if, for example, home prices fell by 10% or more that would create a major acceleration in foreclosures. and i think it could be a factor. >> on the other side, what's your best estimate right now of when we're going to see that kind of economic growth that can create jobs, above 2.5%, 3%, 3.5%? >> first, let me say this, the unemployment rated is going to continue to rise, but more slowly than it's been. we'll continue to have job loss.